It’s never too early to start planning for your retirement. Whilst retirement may seem a long time off, due to the compounding effect of investments, early contributions can make a big difference to the income you receive.

For those closer to retirement, we offer a comprehensive pension review and transfer service. This allows our clients to clearly understand the features of the pension plans they have and whether it would be advantageous to move them into a modern plan.

As part of our ongoing service, we also help our customers understand the impact various contribution levels will have on their income in retirement, helping them target their income. We also regularly review investment performance to help ensure that their plans are on track.

Choosing how and when to use your pension fund is one of the biggest financial decisions you will have to make – one that can affect your standard of living for decades to come. Our at-retirement service assists our customers to maximise the benefits available to them, whether it be through drawdown, exercising the right to shop around using your open market option or securing an enhanced annuity.

We offer a wide-range of pension solutions:

  • Personal pension plans to self-invested personal pensions (SIPPs)
  • For corporate clients we operate auto-enrolment compliant group personal pensions (GPPs) and occupational schemes
  • For those wishing to use their pension fund to buy property or provide loans to their company, we also offer a comprehensive SIPP and small self-administered scheme (SSAS) service.

Tax treatment can change and depends upon your personal circumstances.

The value of investments can fall as well as rise and you might get back less than you invested.